Credit union · NCUA insured
Siouxland Federal Credit Union Auto Loan Rates
Top CarrotSiouxland Federal Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 22, 2026.
How Siouxland Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sioux City, IA-NE-SD, where Siouxland Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Siouxland Federal Credit Union
4.75%APR
- Terms
- up to 66 months
- Up to
- 10.00% APR
- Discount
- None included
2023-New Vehicles
Lowest rate
Telco Triad Community Credit Union
4.64%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
Levo Credit Union®
4.99%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- None included
Siouxland Federal Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Siouxland Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
2016 Vehicles
Risk-based lending. Lowest rate requires credit score 700+, an active checking account or direct deposit to Siouxland Federal Credit Union and payment deducted from an account at Siouxland Federal Credit Union. For a coupon book payment, add 0.25% to the lowest rate quoted. No extended terms on vehicles over 150,000 miles. Rates listed do not apply for commercial vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.50%–13.75% | Lowest rate requires credit score 700+, active checking/direct deposit, and payment deducted from Siouxland FCU account. Coupon book payment adds 0.25%. |
Sources (1)
- siouxlandfederalcu.com/member-resources/current-rates · captured Oct 5, 2026
2017-2018 Vehicles
Risk-based lending. Lowest rate requires credit score 700+, active checking or direct deposit to Siouxland FCU, and payment deducted from an account at Siouxland FCU. Coupon book payment adds 0.25%. No extended terms on vehicles over 150,000 miles. Commercial vehicles excluded.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.00%–12.25% | Lowest rate requires credit score 700+, active checking/direct deposit, and payment deducted from Siouxland FCU account. Coupon book payment adds 0.25%. |
Sources (1)
- siouxlandfederalcu.com/member-resources/current-rates · captured Sep 18, 2026
2017-2019 Vehicles
Risk-based lending. Lowest rate requires credit score 700+, an active checking account or direct deposit to Siouxland Federal Credit Union and payment deducted from an account at Siouxland Federal Credit Union. For a coupon book payment, add 0.25% to the lowest rate quoted. No extended terms on vehicles over 150,000 miles. Rates listed do not apply for commercial vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 7.25%–12.50% | Lowest rate requires credit score 700+, active checking/direct deposit, and payment deducted from Siouxland FCU account. Coupon book payment adds 0.25%. |
Sources (1)
- siouxlandfederalcu.com/member-resources/current-rates · captured Oct 5, 2026
2019-2022 Vehicles
Risk-based lending. Lowest rate requires credit score 700+, active checking or direct deposit to Siouxland FCU, and payment deducted from an account at Siouxland FCU. Coupon book payment adds 0.25%. No extended terms on vehicles over 150,000 miles. Commercial vehicles excluded.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 4.75%–10.00% | Lowest rate requires credit score 700+, active checking/direct deposit, and payment deducted from Siouxland FCU account. Coupon book payment adds 0.25%. |
Sources (1)
- siouxlandfederalcu.com/member-resources/current-rates · captured Sep 18, 2026
2020-New Vehicles
Risk-based lending. Lowest rate requires credit score 700+, an active checking account or direct deposit to Siouxland Federal Credit Union and payment deducted from an account at Siouxland Federal Credit Union. For a coupon book payment, add 0.25% to the lowest rate quoted. No extended terms on vehicles over 150,000 miles. Rates listed do not apply for commercial vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 4.99%–10.25% | Lowest rate requires credit score 700+, active checking/direct deposit, and payment deducted from Siouxland FCU account. Coupon book payment adds 0.25%. |
Sources (1)
- siouxlandfederalcu.com/member-resources/current-rates · captured Oct 5, 2026
2023-New Vehicles
Risk-based lending. Lowest rate requires credit score 700+, active checking or direct deposit to Siouxland FCU, and payment deducted from an account at Siouxland FCU. Coupon book payment adds 0.25%. No extended terms on vehicles over 150,000 miles. Commercial vehicles excluded.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 4.75%–10.00% | Lowest rate requires credit score 700+, active checking/direct deposit, and payment deducted from Siouxland FCU account. Coupon book payment adds 0.25%. |
Sources (1)
- siouxlandfederalcu.com/member-resources/current-rates · captured Sep 18, 2026
Who can join Siouxland Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live, work, worship, or attend school in, and business and other legal entities located within prescribed underserved rural district qualifying census tracts across specified counties in Iowa, Nebraska, South Dakota, Kansas, and Missouri.
Employers and groups
- Membership is open to employees and members of the Community Impact Fund.
- Membership is open to employees of Siouxland Federal Credit Union.
- Membership is open to organizations of eligible persons, and corporate or other legal entities of this charter.
- Membership is open to persons retired or pensioners or annuitants from qualifying employment.
- Membership is open to employees of Tyson Packing plant who work in, or are paid or supervised from, or are headquartered in Dakota City, NE.
4 more ways to join
Employers and groups
- Membership is open to volunteers of qualifying groups.
Family and household
- Membership is open to members of the immediate family or household of eligible persons.
- Membership is open to spouses of persons who died while within the field of membership of Siouxland Federal Credit Union.
Other ways
- Membership is open to current members of record as of September 9, 2026.
Membership information collected October 4, 2026.